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0% Financing Deals on Cars in Canada (Sep 2026)
Explore limited-time low or 0% financing offers in Canada from popular brands.
When shopping for a new car, you’ll come across promotions for extremely low interest rates, even 0% financing deals. Finding a low or 0% interest car deal can be a good way to get the car you want while keeping your monthly payments manageable, but these offers often require an excellent credit score to qualify and may limit your ability to negotiate a lower overall purchase price.
This guide covers the ins and outs of 0% financing, including benefits, downsides and the latest offers.
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Who is offering zero percent financing on cars in Canada?
Brands like Volkswagen, Cadillac, Nissan and Ram are offering 0% deals for several of their models. 0% financing promotions typically run until the end of the month, though they’re sometimes extended into the next.
If you’re looking for the lowest rate—whether 0% or close to it—you can go to dealerships directly or compare offers using loan search platforms (e.g. Loans Canada).
Current 0% financing deals on cars in Canada (updated for September 2026)
Check out who is offering some of the lowest rates this month, starting at 0%.
| Brand | Lowest APR | Term | Model | Price | Est. Monthly Payment |
|---|---|---|---|---|---|
| Buick | 0% | 36 months | 2026 Encore GX | $31,349 | $871 |
| Buick | 0% | 84 months | 2026 Envision | $46,299 | $551 |
| Buick | 0% | 36 months | 2026 Envista | $29,399 | $817 |
| Cadillac | 0% | 84 months | 2026 CT5 | $52,995 | $631 |
| Cadillac | 0% | 72 months | 2026 LYRIQ | $91,299 | $1,268 |
| Cadillac | 0% | 72 months | 2026 LYRIQ-V | $94,733 | $1,316 |
| Cadillac | 0% | 72 months | 2026 OPTIQ | $57,399 | $797 |
| Cadillac | 0% | 60 months | 2026 XT5 | $54,199 | $903 |
| Cadillac | 0% | 84 months | 2026 XT5 | $54,199 | $645 |
| Cadillac | 0% | 72 months | 2027 LYRIQ | $70,599 | $981 |
| Cadillac | 0% | 72 months | 2027 OPTIQ | $61,025 | $848 |
| Cadillac | 0% | 72 months | 2027 VISTIQ | $88,899 | $1,235 |
| Chevrolet | 0% | 60 months | 2026 Blazer EV | $53,399 | $890 |
| Chevrolet | 0% | 84 months | 2026 Silverado 1500 | $51,933 | $618 |
| Chevrolet | 0% | 60 months | 2026 Silverado 2500 HD | $65,499 | $1,092 |
| Chevrolet | 0% | 60 months | 2026 Silverado 3500 HD | $69,299 | $1,155 |
| Chevrolet | 0% | 60 months | 2026 Silverado HD | $65,499 | $1,092 |
| Chevrolet | 0% | 36 months | 2026 Trailblazer | $31,249 | $868 |
| Chevrolet | 0% | 36 months | 2026 Trax | $26,699 | $742 |
| GMC | 0% | 84 months | 2026 Sierra 1500 | $52,799 | $629 |
| GMC | 0% | 60 months | 2026 Sierra 2500 HD | $65,799 | $1,097 |
| GMC | 0% | 60 months | 2026 Sierra HD | $65,799 | $1,097 |
| Nissan | 0% | 36 months | 2026 Nissan Kicks S | $27,198 | $756 |
| Nissan | 0% | 60 months | 2026 Nissan Rogue S | $34,848 | $581 |
| Nissan | 0% | 36 months | 2026 Nissan Sentra S | $25,268 | $702 |
| Ram | 0% | Up to 84 months | 2026 Ram 1500 Big Horn Crew Cab 4×4 | $75,604 | $900 |
| Volkswagen | 0% | 60 months | 2025 Volkswagen ID. Buzz 1st Edition | $74,965 | $1,249 |
| Volkswagen | 0% | 60 months | 2025 Volkswagen ID. Buzz 1st Edition 4MOTION | $80,465 | $1,341 |
| Volkswagen | 0% | 60 months | 2025 Volkswagen ID.4 | $46,665 | $778 |
| Volkswagen | 0% | 60 months | 2025 Volkswagen ID.4 PRO | $51,165 | $853 |
| Volkswagen | 0% | 60 months | 2025 Volkswagen ID.4 PRO AWD | $56,165 | $936 |
| Volkswagen | 0% | 60 months | 2025 Volkswagen ID.4 PRO S | $53,665 | $894 |
| Volkswagen | 0% | 60 months | 2025 Volkswagen ID.4 PRO S AWD | $58,665 | $978 |
| Volkswagen | 0% | 60 months | 2026 Volkswagen Atlas Comfortline | $54,415 | $907 |
| Volkswagen | 0% | 60 months | 2026 Volkswagen Atlas Cross Sport Comfortline | $53,315 | $889 |
| Volkswagen | 0% | 60 months | 2026 Volkswagen Atlas Cross Sport Execline | $63,315 | $1,055 |
| Volkswagen | 0% | 60 months | 2026 Volkswagen Atlas Cross Sport Highline | $60,315 | $1,005 |
| Volkswagen | 0% | 60 months | 2026 Volkswagen Atlas Execline | $64,415 | $1,074 |
| Volkswagen | 0% | 60 months | 2026 Volkswagen Atlas Highline | $61,415 | $1,024 |
| Volkswagen | 0% | 60 months | 2026 Volkswagen Atlas Peak Edition | $58,415 | $974 |
| Volkswagen | 0% | 24 months | 2026 Volkswagen Golf GTI | $40,315 | $1,680 |
| Volkswagen | 0% | 24 months | 2026 Volkswagen Golf GTI Autobahn | $44,315 | $1,846 |
| Volkswagen | 0% | 24 months | 2026 Volkswagen Golf R | $54,015 | $2,251 |
| Volkswagen | 0% | 24 months | 2026 Volkswagen Golf R Black | $56,615 | $2,359 |
| Volkswagen | 0% | 60 months | 2026 Volkswagen Jetta Comfortline | $32,015 | $534 |
| Volkswagen | 0% | 24 months | 2026 Volkswagen Jetta GLI | $38,415 | $1,601 |
| Volkswagen | 0% | 60 months | 2026 Volkswagen Jetta Highline | $36,115 | $602 |
| Volkswagen | 0% | 60 months | 2026 Volkswagen Jetta Trendline | $30,015 | $500 |
| Volkswagen | 0% | 24 months | 2026 Volkswagen Taos Comfortline | $38,840 | $1,618 |
| Volkswagen | 0% | 24 months | 2026 Volkswagen Taos Comfortline Black | $40,540 | $1,689 |
| Volkswagen | 0% | 24 months | 2026 Volkswagen Taos Highline | $42,040 | $1,752 |
| Volkswagen | 0% | 24 months | 2026 Volkswagen Taos Trendline | $33,240 | $1,385 |
| Volkswagen | 0% | 60 months | 2026 Volkswagen Tiguan Comfortline | $44,165 | $736 |
| Volkswagen | 0% | 60 months | 2026 Volkswagen Tiguan Comfortline R-Line Black | $47,665 | $794 |
| Volkswagen | 0% | 24 months | 2026 Volkswagen Tiguan Highline R-Line | $53,165 | $2,215 |
| Volkswagen | 0% | 60 months | 2026 Volkswagen Tiguan Trendline | $40,665 | $678 |
| Cadillac | 0.99% | 60 months | 2027 LYRIQ | $70,599 | $1,206 |
| Kia | 0.99% | Up to 60 months | 2026 Kia EV9 Light RWD | $59,995 | $1,025 |
| Subaru | 0.99% | 24 months | 2026 Subaru Crosstrek Convenience | $30,595 | $1,288 |
| Subaru | 0.99% | 24 months | 2026 Subaru Forester Convenience | $34,195 | $1,440 |
| Subaru | 0.99% | 24 months | 2026 Subaru Forester Hybrid Premier | $48,695 | $2,050 |
| Subaru | 0.99% | 24 months | 2026 Subaru Impreza Convenience 5-door | $28,295 | $1,191 |
| Subaru | 0.99% | 24 months | 2026 Subaru Solterra AWD | $52,495 | $2,210 |
| Subaru | 0.99% | 24 months | 2026 Subaru Uncharted FWD | $42,995 | $1,810 |
| Chevrolet | 0% (2.9% effective APR) | 60 months | 2026 Corvette | $89,799 | $1,610 |
| Chevrolet | 0% (2.9% effective APR) | 60 months | 2026 Corvette Z06 | $167,253 | $2,998 |
| Chevrolet | 0% (3.4% effective APR) | 72 months | 2027 Bolt | $39,999 | $615 |
| Subaru | 1.49% | 24 months | 2026 Subaru BRZ | $33,395 | $1,413 |
| Subaru | 1.49% | 24 months | 2026 Subaru Crosstrek Hybrid Limited | $40,595 | $1,718 |
| Nissan | 1.9% | 84 months | 2026 Nissan LEAF S PLUS | $44,998 | $573 |
| Cadillac | 1.99% | 84 months | 2026 CT4 | $43,799 | $559 |
| Cadillac | 1.99% | 84 months | 2026 CT5 | $52,995 | $676 |
| Cadillac | 1.99% | 60 months | 2027 OPTIQ | $61,025 | $1,069 |
| Chevrolet | 1.99% | 60 months | 2026 Corvette | $89,799 | $1,574 |
| GMC | 1.99% | 60 months | 2026 Hummer EV Pickup | $134,098 | $2,350 |
| GMC | 1.99% | 60 months | 2026 Hummer EV Sut | $134,098 | $2,350 |
| GMC | 1.99% | 60 months | 2026 Hummer EV SUV | $134,098 | $2,350 |
| Subaru | 1.99% | 24 months | 2026 Subaru Outback Touring | $40,895 | $1,740 |
| Subaru | 1.99% | 24 months | 2026 Subaru Trailseeker Touring | $54,995 | $2,339 |
| Chevrolet | 1.99% (4.3% effective APR) | 60 months | 2026 Corvette Stingray | $89,799 | $3,661 |
Offers expire on September 30, 2026. The data is based on our monthly research of 20+ dealerships and was last verified on September 1, 2026. Offers are on approved credit, vary by region and may have other conditions, such as down payment requirements. Pricing, offers and payments are estimates only and are subject to change without notice; actual terms, vehicle availability and final pricing may vary directly by dealership. Some offers are not available nationally; please verify all terms and current offers with your local dealer.
Compare car loans in Canada
If you don’t qualify for 0% financing in Canada or would like to consider alternatives, explore your options here.
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To make comparing even easier, we came up with the Finder Score. Interest rates, fees and features across 20+ car loans are all weighted and scaled to produce a score out of 10. The higher the score the better the loan—simple.
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What are the best car financing deals in Canada?
Car buyers have many 0% financing choices this September 2026 compared to previous months. Brands offering 0% interest deals on a wide range of models include Chevrolet, Volkswagen, Cadillac, Nissan and Buick.
0% financing in one province, such as Ontario, may not be available in other provinces
The types of financing offers advertised by dealerships depend on where you live. Therefore, the low-rate or 0% financing car deals at Ontario dealerships may differ from those offered at dealerships in Alberta or BC. It can even vary by city. Plus, the deals you qualify for will depend on factors like your credit score, income and whether you have a down payment.
When you’re ready to shop for your next car, check with a car loan search platform or local dealership to find out what financing offers are available to you.
Related: 0% financing deals in Ontario
What about these brands? Do they have 0% interest car deals?
As of September 2, 2026, here’s the 0% financing status for the following car brands. (Keep in mind that offers may vary by region.)
Details last verified on September 1, 2026.
Dive deeper: Car loan rates in Canada
Where can you get 0% financing on trucks?
You can get 0% or low-rate financing for the following trucks as of September 2, 2026:
- Chevrolet, Silverado 1500, 0%, 84 months
- Chevrolet, Silverado 1500, 1.9%, 24 months
- Chevrolet, Silverado 2500 HD, 0%, 60 months
- Chevrolet, Silverado 3500 HD, 0%, 60 months
- Chevrolet, Silverado HD, 0%, 60 months
- GMC, Sierra 1500, 0%, 84 months
- GMC, Sierra 1500, 1.9%, 24 months
- GMC, Sierra 2500 HD, 0%, 60 months
- GMC, Sierra HD, 0%, 60 months
- GMC, Hummer EV Pickup, 1.99%, 60 months
- Ram, 1500 Big Horn Crew Cab 4×4, 0%, up to 84 months
Keep in mind, offers vary by province and are based on approved credit.
What SUVs have 0% financing right now?
SUVs and crossovers that currently have 0% financing, or close to 0%, include:
- Buick, Encore GX, 0%, 36 months
- Buick, Envision, 0%, 84 months
- Buick, Envista, 0%, 36 months
- Cadillac, LYRIQ, 0%, 72 months
- Cadillac, LYRIQ-V, 0%, 72 months
- Cadillac, OPTIQ, 0%, 72 months
- Cadillac, XT5, 0%, 60 months
- Cadillac, XT5, 0%, 84 months
- Cadillac, LYRIQ (2027), 0%, 72 months</l
- Cadillac, LYRIQ (2027), 0.99%, 60 months
- Cadillac, OPTIQ (2027), 0%, 72 months</l
- Cadillac, OPTIQ (2027), 1.99%, 60 months
- Cadillac, VISTIQ (2027), 0%, 72 months</
- Chevrolet, Blazer EV, 0%, 60 months
- Chevrolet, Trailblazer, 0%, 36 months</l
- Chevrolet, Trax, 0%, 36 months
- GMC, Hummer EV SUV, 1.99%, 60 months</li
- GMC, Hummer EV Sut, 1.99%, 60 months
- Infiniti, QX60 SPORT, 1.99%, 36 months</
- Infiniti, QX80 Luxe, 0%, 36 months
- Infiniti, QX65 LUXE (2027), 1.99%, 36 mo
- Kia, EV9 Light RWD, 0.99%, up to 60 months
- Nissan, Kicks S, 0%, 36 months
- Nissan, Rogue S, 0%, 36 months
- Nissan, Rogue S, 0%, 60 months
- Subaru, Crosstrek Convenience, 0.99%, 24 months
- Subaru, Crosstrek Hybrid Limited, 1.49%,
- Subaru, Forester Convenience, 0.99%, 24 months
- Subaru, Forester Convenience, 0.99%, 30
- Subaru, Forester Hybrid Premier, 0.99%, 24 months
- Subaru, Outback Touring, 1.99%, 24 month
- Subaru, Solterra AWD, 0.99%, 24 months
- Subaru, Solterra AWD, 1.49%, 24 months</
- Subaru, Trailseeker Touring, 1.99%, 24 months
- Subaru, Uncharted FWD, 0.99%, 24 months
- Volkswagen, ID.4 (2025), 0%, 48 months
- Volkswagen, ID.4 (2025), 0%, 60 months
- Volkswagen, ID.4 PRO (2025), 0%, 48 months
- Volkswagen, ID.4 PRO (2025), 0%, 60 months
- Volkswagen, ID.4 PRO AWD (2025), 0%, 48 months
- Volkswagen, ID.4 PRO AWD (2025), 0%, 60 months
- Volkswagen, ID.4 PRO S (2025), 0%, 48 months
- Volkswagen, ID.4 PRO S (2025), 0%, 60 months
- Volkswagen, ID.4 PRO S AWD (2025), 0%, 48 months
- Volkswagen, ID.4 PRO S AWD (2025), 0%, 60 months
- Volkswagen, Atlas Comfortline, 0%, 60 months
- Volkswagen, Atlas Cross Sport Comfortline, 0%, 60 months
- Volkswagen, Atlas Cross Sport Execline, 0%, 60 months
- Volkswagen, Atlas Cross Sport Highline, 0%, 60 months
- Volkswagen, Atlas Execline, 0%, 60 months
- Volkswagen, Atlas Highline, 0%, 60 months
- Volkswagen, Atlas Peak Edition, 0%, 60 months
- Volkswagen, Taos Comfortline, 0%, 24 months
- Volkswagen, Taos Comfortline Black, 0%, 24 months
- Volkswagen, Taos Highline, 0%, 24 months
- Volkswagen, Taos Trendline, 0%, 24 months
- Volkswagen, Tiguan Comfortline, 0%, 60 months
- Volkswagen, Tiguan Comfortline, 1.49%, 36 months
- Volkswagen, Tiguan Comfortline R-Line Black, 0%, 60 months
- Volkswagen, Tiguan Comfortline R-Line Black, 1.49%, 36 months
- Volkswagen, Tiguan Highline R-Line, 0%, 24 months
- Volkswagen, Tiguan Trendline, 0%, 60 months
- Volkswagen, Tiguan Trendline, 1.49%, 36 months
What does 0% financing mean on a car loan?
A 0% financing offer allows you to borrow money to buy a vehicle without having to pay interest and financing fees, which combined is known as the annual percentage rate (APR). Dealerships mostly offer this type of financing as a way to sell more cars. It is reserved for customers with excellent credit scores (usually above 700).
Banks or other lending institutions do not typically offer 0% financing on cars in Canada because these institutions have nothing to gain by offering this type of financing. On the other hand, a dealership will be more willing to offer 0% car financing deals since it gets you driving off the lot in one of their vehicles, and this helps move inventory.
0% financing sounds too good to be true. What’s the catch?
At first glance, 0% financing on a car is exactly as it appears: You purchase a new car at the agreed-upon price and then make monthly payments on the debt, with no interest for a set number of months. However, keep these points in mind:
- 0% interest may only be offered for part of the loan term
- To be approved, you’ll need a spectacular credit score (above 700)
- Negotiating the car price can be difficult
- 0% car financing deals are only available for certain makes and models
- You may not get as much money for your trade-in vehicle
- The loan structure will likely be set in stone
Pros and cons of car deals with 0% finance
Pros
- 0% interest. Paying no interest on your car loan can save you hundreds or thousands of dollars in the long run (depending on your loan amount).
- One-stop shop for financing. Dealerships offer 0% financing in Canada on car loans, so you can drive off the lot in your new vehicle with a single transaction.
- Faster repayment. You’ll usually be able to pay 0% financing car loans off faster than you would with a traditional car loan (because terms are often shorter and there’s no interest).
- Lets you upgrade your car choice. You may be able to afford a more expensive vehicle or luxury upgrades such as a sunroof or alloy wheels with a 0% car loan.
Cons
- Only available from dealerships. 0% car loans are typically only offered by dealerships, which means you can’t get them from the bank or another lender.
- More limitations. You may only be able to get financing for certain kinds of vehicles with 0% car loans, such as those that the dealership is trying to move off the lot.
- More difficult to qualify. You can only qualify for a 0% car finance offer if you have good to excellent credit and a high income.
- Higher monthly payments. 0% financing often comes with shorter terms to reduce the risk that you’ll default (which means higher monthly payments).
- Risk that you’ll pay more. You could end up paying a higher price for your vehicle to make up for the lower interest rate (so your dealer still cuts a higher profit).
- May be a limited offer. You may only get 0% financing for a portion of your loan amount or as an introductory offer for a limited amount of time.
How can a 0% financing offer cost more?
A 0% deal can cost more because you’ll need to forfeit any discounts or rebates. The example below breaks down the cost of a $40,000 car with a 0% financing offer vs. a bank financing offer with a rebate.
Example: The cost of a $40,000 car
| Option A: 0% Financing | Option B: Bank Financing + Rebate |
|---|---|
| Price: $40,000 | Price: $40,000 |
| Offer: 0% over 60 months | Offer: 4.7% over 60 months |
| Manufacturer rebate: None | Manufacturer rebate: $5,000 |
| Total amount borrowed: $40,000 | Total amount borrowed: $35,000 |
| Total interest paid: $0 | Total interest paid: $4,342 |
| Total cost of the car: $40,000 | Total cost of the car: $39,342 |
As you can see, option B turns out to be cheaper despite the higher interest rate because of the rebate. When evaluating offers, make sure you know how much the car will cost you overall.
Calculate the cost of your financing offer using our car loan calculator.
How to get 0% financing on new cars in Canada
- Check your credit score. Your first step in qualifying for a 0% car loan is to make sure your credit score is in excellent shape. You can do this by requesting a copy of your score from a major credit bureau such as Equifax or TransUnion.
- Shop around. Decide which vehicle you want to buy in advance and then shop around with a number of dealerships to compare prices. This makes sure you find a dealership that’s offering a reasonable price for the vehicle you’re interested in.
- Gather your documentation. When it’s time to visit the dealership, you’ll want to bring along information about your credit score and monthly income. If your credit score is low, you likely won’t qualify for 0% financing and may need to explore other options. You might also want to get car loan pre-approval first so you have bargaining power.
- Negotiate the deal. Work with your dealer to get the best deal possible on your loan. And keep in mind that there are always other options if your dealer won’t budge on certain conditions.
Red flags to watch out for with 0% car finance deals
There are a few red flags you need to watch for when shopping around for 0% financing in Canada:
- False promises. You should steer clear of lenders that offer 0% financing without checking your credit score or financial details.
- Higher vehicle prices. Avoid lenders that offer 0% car financing deals but have much higher vehicle prices than other dealerships in your local area.
- Introductory offers. Keep an eye out for dealers that offer 0% financing for only a short introductory period, but then start charging interest midway through your term.
- Bad customer reviews. Double-check online reviews for the lender you want to go with before you sign a loan contract to make sure there are no major issues.
Related: 20+ car brands in Canada
How to get a good deal without a 0% interest car loan
There are a number of things you can do to get a better offer on your next vehicle, even if you don’t qualify for 0% financing deals, including:
- Get pre-approved. Get pre-approved for a car loan to find out how much you can spend. Instead of asking for details like your income and debt to confirm the exact amount you can borrow (like with mortgage pre-approval), pre-approval from car loan lenders in Canada is usually offered to get you into customer databases. You won’t be able to use the amount or terms as a bargaining chip elsewhere until you formally apply for a car loan and get a hard credit check.
- Compare prices. Compare different lenders to find out what rates and loan amounts you can qualify for. Once you know how much you have to spend, shop around to find any low or 0% interest car deals on offer for the vehicle you want.
- Shop for a used vehicle. Check out online offers for used vehicles or ask to see the inventory of used cars with your dealer. Just be aware that it can be more difficult to get financing if the vehicle is older or has high mileage. Learn more about buying a used car.
- Look for sales or special offers. Wait for sales such as employee-pricing events or cash-rebate offers to save the most money on your car. This will let you drive off the lot with the best deal possible.
- Improve your credit score. Work on improving your credit to make sure you can qualify for the lowest interest rates available. Start by finding out what credit score you need to get approved for a car loan.
Can I get 0% financing if I have bad credit?
Car dealers with 0% financing won’t offer this financing deal to borrowers with bad credit, as the dealer will consider the loan to be too risky.
The best way to get around this is to improve your credit score so that lenders see you as a reliable customer. If you need to purchase a vehicle using a car loan before you can improve your credit score, then be prepared to pay higher interest rates.
Must read: Bad credit car loans in Canada
Bottom line
Getting 0% car financing deals can save you money on interest rates and let you pay your car loan off faster. The main downside of these loans is that they come with strict eligibility requirements and are usually only offered by car dealerships. But even if you can’t qualify for 0% financing in Canada, you can still lock in a low interest rate by comparing your options and getting prequalified with a variety of lenders.
Frequently asked questions
Sources
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